Worksite Banking It’S the Right Combination That Counts

Worksite Banking It’s the right combination that counts

EmployeeNow terms available and to conditions you!

Imagebroschuere_englisch.indd 1 02.04.2007 14:01:10 Uhr Imagebroschuere_englisch.indd 2 02.04.2007 14:01:11 Uhr Especially for you

Worksite Banking

Originally, as a subsidiary of Degussa AG, De- Thanks to our lean and effi ciently organized gussa Bank supported the company’s emplo- operations, we can keep costs low, enabling us yees in all fi nancial matters. As a direct result of to pass on these benefi ts to our customers. This this tradition, which goes back more than 100 means that you, your family and your friends al- years, fairness and continuity in particular are ways enjoy favourable terms and conditions. qualities which we take for granted. Currently, we are represented by our bankshops We call this Worksite Banking. at over 160 well-known partner companies.

It’s the right combination that counts!

Personal dialogue, professional competence at a time that suits you. This service, combined and trust play a crucial role, especially when with exclusive employee terms and conditions, it comes to difﬁ cult individual investment or ﬁ - is tailor-made for you. nancing decisions. So it is a great advantage if your contact person is personally available for Put it to the test! you directly at the place where you work, and

Services which we provide as a matter of course:

Free current account No account fees or transaction charges – with no ifs and buts!

Free custody account Free clearing account, no charges for limited orders, favourable transaction prices

TOPZins call account Withdrawable on demand, variable interest from the very ﬁ rst Euro. Ask for our current rates.

Worksite Banking on employee terms and conditions

Imagebroschuere_englisch.indd 3 02.04.2007 14:01:12 Uhr Developed just for you

A carefully thought-out concept Savings & Investment What type of investor are you?

with freely selectable products In terms of return, are your investments optimally matched to your life situation Employees of our partner fi rms have access to individual elements in your concept are kept as and your wishes? all standard and innovative fi nancial services. fl exible as possible so that they can be adapted We take the time to understand your specifi c life to any changes that may arise in the future. situation, your wishes and your goals, and build your personal fi nancial planning around them. Our mission is to satisfy your needs in all Together, we select the products for your indivi- fi nancial aspects on a long-term basis. dual credit and investment wishes that are best suited to your needs. We make sure that all the

Accounts & Cash Are your savings instalments matched to your liquidity?

Do you have a number of bank accounts, making a structured investment approach difﬁ cult?

Home & Finance Would you prefer to invest in own wealth creation rather than keep paying rent?

Instead of paying rent, do you know how much you could afford to pay towards a mortgage?

Are your repayment options as ﬂ exible as you would like them to be?

Imagebroschuere_englisch.indd 4 02.04.2007 14:01:16 Uhr Savings & Investment What type of investor are you?

In terms of return, are your investments optimally matched to your life situation and your wishes?

Securities & Brokerage Are you already exploiting the possibilities of investment fund-linked risk cover?

Have you considered investing in securities in your future ﬁ nancial planning?

Do all the elements of your future planning ﬁ t properly together?

Insurance & Retirement Planning Are you possibly under or over insured?

Does your insurance cover match your present risk situation (new property, children, etc.)?

Have you considered real estate in your future ﬁ nancial planning?

What can we do for you?

Imagebroschuere_englisch.indd 5 02.04.2007 14:01:18 Uhr Our service offer

As an innovative Worksite Bank, we offer you long-term advantages through the unique combination of personal counselling at your workplace and special employee terms and conditions.

Savings & Investment

 TOPZins call account Withdrawable on demand, variable interest from the very ﬁrst Euro

 FestInvest Combination of a ﬁxed-rate call account and the award-winning Degussa Bank ﬁxed-income investment fund

 Flexible saving plans Risk-free investments with a range of saving and payout options, such as pension annuity plans or savings certiﬁcates

Accounts & Cash

 Free current account with no ifs and buts

 Maestro Card/MasterCard/Visa Card Convenient, cashless payment as well as cash withdrawals at all partners worldwide

 Foreign exchange & travellers cheques Foreign banknotes and fully exchangeable travellers cheques bought and sold

 Internet Banking Account access anywhere and anytime at: www.degussa-bank.de

 Cash service terminals Cash withdrawals throughout Germany at all Degussa Bank cash service terminals and ING-DiBa cash dispensers

Imagebroschuere_englisch.indd 6 02.04.2007 14:01:20 Uhr Securities & Brokerage

 Free custody account Free clearing account, no charges for limited orders, favourable transaction prices

 Fund picking Selected investment funds, continuous analysis by specialists, with reference to independent ratings and rankings

 Investment fund saving plans From 50 Euro, professional fund management with no custody charges

 Individual asset management An optimal portfolio strategy that matches both your personal investment goals and your life situation

Home & Finance

 Real estate ﬁnance Fast and uncomplicated, with competent advisory services and special employee terms and conditions, no commitment fee for one year, with a buffer for homes still under construc- tion, and ﬂexible repayment options

 Home ownership or investment properties with a ‘no worry’ cover package

 Personal loans Loans for your personal ﬁnancing needs on employee terms and conditions

Insurance & Retirement Planning

 Property & liability insurance Personal liability, household effects, building, accident, legal expenses or car insurance

 Health insurance Choose between full private health insurance or supplementary health insurance policies

 Personal provisioning & retirement planning Term, life, disability or pension annuity insurance, Riester-type pension plans and company pension schemes

Imagebroschuere_englisch.indd 7 02.04.2007 14:01:31 Uhr Worksite Banking on employee terms and conditions

Degussa Bank key ﬁ gures

in Million Euro 2004 2005 2006

Business volume 2,116 2,474 2,736

Total assets 2,106 2,469 2,726

Customer deposits 1,620 1,878 2,136

Gross loans and advances 1,888 2,205 2,518

Subscribed capital & reserves 69 69 80

Total liable capital (amount eligible for capital 129 136 162 adequacy requirements pursuant to Section 10 (5a) of the German Banking Act (KWG)

Employees (annual average) 353 400 459

Through our membership of the Bundesverband deutscher Banken (German Banking Association) deposit guarantee fund, the assets of each individual customer are guaranteed up to an amount of 29,647,000 Euro.

Imagebroschuere_englisch.indd 8 02.04.2007 14:01:41 Uhr Interested? Just mark the appropriate boxes with a cross!

Yes, I would like more information about the following: Savings & Investment Accounts & Cash Securities & Brokerage ❒ TOPZins Call Account ❒ Free Giro Account ❒ Free Custody Account ❒ FestInvest ❒ Maestro Card/MasterCard/Visa Card ❒ Fund Picking ❒ Savings Certiﬁcates ❒ Internet Banking ❒ Investment Fund Savings Plans ❒ Pension Plans ❒ Cash Service Terminals ❒ Individual Asset Management

Home & Finance Insurance & Retirement Planning ❒ Real Estate Finance Property & Liability Insurance ❒ Home Ownership/ ❒ Personal Liability ❒ Household Effects ❒ Accident ❒ Building Investment Properties ❒ Legal Expenses ❒ Car ❒ Other: ❒ Personal Loans Personal Insurance ❒ Full Private Health Insurance ❒ Supplementary ❒ Pension Annuity ❒ Riester-type Private Health Insurance Insurance Pension Plans ❒ Company Pension Schemes ❒ Term Insurance ❒ Disability Insurance

Please give me a call:

Name Address

First name Tel. Mobile

My Degussa Bankshop The best time to call me is on at hours

I agree to my being informed about the services of Degussa Bank Signature by phone or in writing.

Especially for you. For others too?

Name of new customer New clients on your recommendation A new customer is deemed to be any person who opens an Street, No. account by 1 May 2007 and who does not have any business Postal code, City/town dealings with Degussa Bank at the time when the coupon is received. Persons may not recommend themselves. Tel. Mobile

Date of birth Our thanks to you My Degussa Bankshop A petrol coupon worth 25 Euro will be sent to you about three weeks after the new account opened by the Signature recommended new customer has been actively used.

Your contact details Please ﬁll out this coupon together with the new customer you recommend and return it to us. Name of person making the recommendation

Street, No.

Further conditions: Postal code, City/town Any Degussa Bank customer who already has an account with us can recommend new customers. Both the person recommending a new customer and the new recommended customer must be named on the coupon. The new customer must Tel. Mobile actively use his or her account within three months of the time the new customer is recommended. The coupon must be received by Degussa Bank before or at the time Date of birth when the new customer opens the account. The customer will receive one ARAL petrol coupon worth 25 Euro for each new Degussa Bank customer. Payment in cash or delivery of this coupon to an address outside Germany is not possible. Signature

Imagebroschuere_englisch.indd 9 02.04.2007 14:01:42 Uhr It’s the right combination that counts

Especially for you.

Thank you for your interest! Postage paid

INT-001/06 Degussa Bank Postfach 1343 61283 Bad Homburg

Especially for you.

Thank you for your interest! Postage paid

KWK-001/06 Degussa Bank Postfach 1343 61283 Bad Homburg

Imagebroschuere_englisch.indd 10 02.04.2007 14:01:42 Uhr Our locations

Marl NORDRHEIN- W ESTFALEN Duisburg Herne (3 bs) Bochu m Krefeld Mülhei m Essen (2 bs) Bankshops in your vicinity (3 bs) Ratingen Wuppertal Düsseldorf (4 bs) Dormagen Monheim (2 bs) You will ﬁ nd our bankshops (“bs”) at over 160 We look forwardLeverkusenMarl to NORDRHEIN- your visit. W ESTFALEN Köln (4 bs) Bergisch Gladbach Duisburg Herne locations throughout Germany. You can make Hürth (2 bs)(3 bs) Niederkassel-Lülsdorf Bochu m WesselingKrefeld (2 bs) Mülhei mTroisdorf Essen (2 bs) cash withdrawals free of charge there and at all (3 bs) Ratingen Bonn Wuppertal Düsseldorf (4 bs) ING DiBa cash dispensers. Dormagen Monheim (2 bs) Leverkusen Köln (4 bs) Bergisch Gladbach Hürth (2 bs) Niederkassel-Lülsdorf Wesseling (2 bs) Troisdorf SCHLESWIG- Hemmingstedt Bonn Itzehoe HOLSTEIN MECKLENBURG- HESSEN Ahrensburg VORPOMMERN Bad Hombur g Hamburg Oberursel (2 bs) (2 bs) (9 bs) SCHLESWIG- Kronberg Schwal - Bremen Hemmingstedt Bad Vibel Bad Soden bach Itzehoe Hanau (3 bs) NIEDERSACHSEN HOLSTEIN BRANDENBURGMECKLENBURG- HESSENEschbor n VORPOMMERN Frankfurt Hannover Ahrensburg Berlin (2 bs) Bad Hombur g Lemförde (2 bs) Hamburg (4 bs) KelsterbachOberursel (2 bs) (2 bs) (2 bs)(21 bs) (9 bs) Kronberg Offenbach SalzgitteBremen r Schwal - Bad Vibel Bad Soden bach Halle SACHSEN- Eisenhüttenstadt Hanau (3 bs) KünsebeckNIEDERSACHSEN ANHAL T BRANDENBURG EschborRüsselshei n m NORDRHEIN- (2 bs) Frankfurt WESTFALEN Paderborn LangelsheiHannover m Berlin Lemförde (2 bs) (4 bs) Kelsterbach (2 bs) (21 bs) Duisburg (5 bs) Bochum HeusenstammOffenbach Krefel d Arnsberg SchkopauSalzgitte r Alzenau (2 bs) Essen Halle SACHSEN- EisenhüttenstadtRadebeul Iserlohn- ANHALT Rüsselshei m Düsseldorf NORDRHEIN-Kassel Künsebeck Colditz (2 bs) Letmathe Langelshei m Weiterstadt (2 bs) BAYERN Köl n WESTFALEN Paderborn Duisburg (5 bs) Dresden BochumMarburg Schkopau HeusenstammDarmstad t Krefel d Arnsberg T HÜRINGEN SACHSEN Alzenau (2 bs) Bonn Essen T HÜRINGEN Radebeul RHEINLAND- Iserlohn- Colditz Düsseldorf HESSENLetmathe Kassel (2 bs) PFALZWeiterstadt (2 bs) BAYERN Köl n Dresden HESSEN Marburg Darmstad t RHEINLAND- SACHSEN Lamperthei m FrankfurtBonn Hanau T HÜRINGEN RHEINLAND- Wiesbaden HESSEN PFALZ Mainz HESSEN BADEN- PFALZ (3 bs) Darmstadt RHEINLAND- Frankfurt BAYERN MannheimLamperthei m W ÜRTTEMBERG Worms Wiesbaden Hanau Heidelberg Marl NORDRHEIN- Ludwigshafen MannheiMainz m Nürnberg BADEN- PFALZ (3 bs) Darmstadt W ESTFALEN (3 bs) (2 bs)BAYERN Mannheim W ÜRTTEMBERG Worms Duisburg Herne SAARLAND Östringen Heidelberg (3 bs) Karlsruhe Ludwigshafen Mannhei m Nürnberg Münchsmünster Bochu m (3 bs) Bruchsal(3 bs) Wassertrüdingen(2 bs) Mülhei m SAARLAND Östringen Krefeld Essen (2 bs) Karlsruhe Schwäbisch- Münchsmünster Ratingen Pforzhei m Bruchsal Wassertrüdingen (3 bs) Stuttgart(3 bs) Gmünd BAYERN Wuppertal Pforzhei m Schwäbisch- (2 bs) Gmünd BAYERN Düsseldorf (4 bs) Stuttgart Augsburg BADEN- (2 bs) Freising Dormagen Monheim (2 bs) WÜRTTEMBERG Augsburg Augsburg Leverkusen BADEN- Freising WÜRTTEMBERG München Augsburg Köln (4 bs) Bergisch Gladbach Hallbergmoos Gottmadingen München Hallbergmoos Hürth (2 bs) Niederkassel-Lülsdorf Gottmadingen München (6 bs) Konstanz München (6 bs) Wesseling (2 bs) Troisdorf Grenzach- Rheinfelden Konstanz Grenzach- Rheinfelden Trostberg Bonn Wyhlen Wyhlen Pullach Trostberg Pullach TaufkirchenTaufkirchen

SCHLESWIG- HemmingstedtListed below are some of the fi rms where we have bankshops: Itzehoe HOLSTEIN MECKLENBURG- HESSEN AccentureAhrensburg VORPOMMERN Cognis DeutschlandBad GmbH Hombur g& Co. KG HT Troplast AG Perstorp Chemicals GmbH Hamburg Oberursel (2 bs) (2 bs) Adam(9 bs) Opel AG Condor Flugdienst GmbH IBM Deutschland GmbH Prinovis GmbH & Co KG Kronberg Bremen ALD Vacuum Technologies AG Danet GmbHSchwal - Bad Vibel INEOS Paraform GmbH Procter & Gamble Service GmbH Bad Soden bach Hanau (3 bs) Allg. Gold- und SilberscheideanstaltBRANDENBURG AG Degussa AGEschbor n Infraserv GmbH RAG Aktiengesellschaft NIEDERSACHSEN Frankfurt Hannover Berlin (2 bs) Lemförde (2 bs)Applied Films Corp. (4 bs) KelsterbachDeutsche (2 bs) Lufthansa(21 AG bs) Invista (Deutschland) GmbH Röhm GmbH SalzgitteArcelor r Bremen GmbH Deutsche ReisebüroOffenbach GmbH K+S Aktiengesellschaft RWE-Nukem GmbH Halle SACHSEN- Eisenhüttenstadt Künsebeck AsklepiosANHAL KlinikenT GmbH Deutsche RüsselsheiTelekom m AG IVG Immobilien GmbH Sachtleben Chemie GmbH NORDRHEIN- Langelshei m WESTFALEN PaderbornAsta Medica AG DOW Olefi nverbund GmbH Lahmeyer International GmbH Sanofi -Aventis Deutschland GmbH (5 bs) Duisburg Bochum Heusenstamm Krefel d Arnsberg Avaya SchkopauTenovis GmbH & Co KG Du Pont de Nemours AlzenauDeutschland (2 bs) Lentjes GmbH SCA Hygiene Products GmbH Essen Radebeul Iserlohn- Colditz Düsseldorf Letmathe Kassel Axel Springer AG (2 bs) WeiterstadtGmbH (2 bs) BAYERN Leybold Optics GmbH Schwarzkopf & Henkel GmbH Köl n Basell Polyolefi ns GmbHDresden elbion AG Darmstad t Lufthansa Cargo AG Shell Deutschland Oil GmbH Marburg SACHSEN Bonn BASFT HÜRINGEN AG RHEINLAND-EnBW Energie Baden-Württenberg AG Lurgi AG Siemens AG HESSEN PFALZ Baxter Oncology GmbH Ernst & YoungHESSEN AG Meda Pharma GmbH & Co. KG Sofotec GmbH & Co KG RHEINLAND- Frankfurt Lamperthei m Wiesbaden Hanau Bayer AG Ferro GmbH Medizinische Hochschule Hannover Stockhausen GmbH Mainz BADEN- PFALZ (3 bs) Darmstadt BayerBAYERN CropScience AG MannheimFraport AG W ÜRTTEMBERG Michelin Reifenwerke KgaA Thomas Cook AG Worms Heidelberg Ludwigshafen Mannhei m BentelerNürnberg AG Goldschmidt AG Montblanc Deutschland GmbH Ticona GmbH (3 bs) (2 bs) SAARLAND Östringen Celanese AG Gruner + Jahr AG & Co KG Nestlé Deutschland AG Umicore Galvanotechnik GmbH Karlsruhe Münchsmünster (3 bs) Bruchsal ChemetallWassertrüdingen GmbH Henkel KGaA Norddeutsche Affi nerie AG Vacuumschmelze GmbH & Co KG Pforzhei m Schwäbisch-Ciba Spezialitätenchemie GmbH Heraeus GmbH OTIS GmbH & Co. OHG Zentaris GmbH Stuttgart Gmünd BAYERN (2 bs) Clariant GmbH Hexal Pharma GmbH Outokumpu Technology GmbH Zimmer AG Augsburg BADEN- Freising WÜRTTEMBERG Augsburg München Hallbergmoos Gottmadingen Konstanz München (6 bs) Grenzach- Rheinfelden Wyhlen Trostberg Pullach Taufkirchen

Imagebroschuere_englisch.indd 11 02.04.2007 14:01:45 Uhr Contact

Degussa Bank Theodor-Heuss-Allee 74 60486 Frankfurt am Main Postfach 20 01 23 60605 Frankfurt am Main

Phone: 069 / 3600 - 2222 069 / 3600 - 5555 (Customer Support) Fax: 069 / 3600 - 2770 E-mail: [email protected] Internet: www.degussa-bank.de

Afﬁ liated to Bankenverband Hessen e.V., Frankfurt Bundesverband deutscher Banken e.V. Deposit Guarantee Fund

Your local contact person

Subsidiaries of Degussa Bank

Our partner for Our partner for home ownership and investment properties insurance and retirement planning

INDUSTRIA PRINAS Bau- und Vermietungsgesellschaft mbH Assekuranz Service GmbH

Theodor-Heuss-Allee 74 Huyssenallee 100 M-01-017 Issued: 02/2007 60486 Frankfurt am Main 45128 Essen

Phone: 069 / 83 83 - 98 0 (Head Ofﬁ ce) Phone: 0201 / 801 - 3140 0800 / 83 83 - 888 (Customer Support) 0180 / 503 - 2110 (Customer Support) Fax: 069 / 83 77 - 99 Fax: 0201 / 801 - 3111 E-mail: [email protected] E-mail: [email protected] Internet: www.industria-gmbh.de Internet: www.prinas.de

Imagebroschuere_englisch.indd 12 02.04.2007 14:01:48 Uhr